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If you don’t have the original policy, don’t worry, we can still help. Just provide your name, date of birth, the name of the insured, and any identifying details you remember (policy number, issue date, and so on). Our claims team will work with Humania Assurance to locate the record and guide you through the rest of the documentation.

Yes, a beneficiary can waive their claim in writing, if they choose. This is sometimes called a waiver or release. But be aware: once a waiver is signed, the beneficiary gives up their right to receive benefits from that policy. Always consult legal advice before signing anything.

If the policy names more than one beneficiary, the death benefit is distributed according to the percentages or shares specified in the policy. If no split is specified, the benefit is usually divided equally among the beneficiaries. If a beneficiary predeceases the insured, their share may pass to the remaining beneficiaries or their estate, depending on how the policy is structured.

Yes, claims can be denied under certain conditions, such as: incomplete or fraudulent application information (misrepresentation); the insured died during the policy’s contestability period (commonly the first 1–2 years); the cause of death falls under a policy exclusion (for example, certain high-risk activities, or suicide within a specified period); required documentation was not submitted or was insufficient; or the policy was lapsed, expired, or premiums were unpaid at the time of death. If a claim is denied, you’ll receive a denial letter explaining the reason and your options.

If you disagree with a claim decision, you can submit an appeal. Typically you’ll send a written request, include supporting documents (medical records, autopsy report, new evidence), and explain why you believe the decision should be reconsidered. We review appeals in collaboration with Humania Assurance and notify you of the result. If you remain dissatisfied, you may also follow our Complaints Policy.